Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Apr 2, 2018

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Searching for better car insurance rates for your Jaguar XJ-Series? Purchasing the lowest cost car insurance over the internet can seem to be somewhat difficult for people that are not comfortable with quoting and comparing rates online. With so many insurance agents and companies, how are people able to be able to compare every company to locate the lowest price?

You need to get comparison quotes on a regular basis because prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest quotes on XJ-Series insurance on your last policy the chances are good that you can find a lower rate today. Don’t believe everything you read about car insurance online but in just a couple of minutes you can learn some guaranteed methods to quit paying high car insurance rates.

Compare quotes for auto insurance

When shopping for auto insurance there are multiple ways of comparing rates from many different insurance companies. One of the best ways to compare 2007 Jaguar XJ-Series insurance prices is simply to get online rate quotes. This can be accomplished in just a few minutes using one of these methods.

  • The easiest and least time consuming way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This method saves time by eliminating multiple quote forms for each company. One quote request gets you coverage quotes instantly. This is by far the quickest method.
  • A slightly less efficient method to analyze rates consists of going to the website for each individual company and repeat the quote process. For example, let’s assume you want to see prices from State Farm, GEICO and Progressive. To do that, you would have to take the time to go to each site and type in your information over and over, and that explains why we recommend the first method.

    For a list of links to insurance companies in your area, click here.

  • The final way to compare price estimates is going to each insurance agency near you. Doing it all online can eliminate the need for a local agent unless your situation requires the advice and guidance only provided by licensed agents. Some companies do allow you to price shop your coverage online and still use a local agent.

Take whichever approach you prefer, but make sure you use the same coverage information on every quote. If you enter mixed coverages it will be nearly impossible to decipher which rate is best. Even a minor difference in insurance coverages or limits may cause a big price difference. Just keep in mind that comparing more company’s prices will enable you to find better pricing. Some insurance companies are not set up to provide rate quotes online, so it’s recommended that you also compare price estimates from them, too.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Don’t be fooled by advertising claims

Big name companies like GEICO, State Farm and Progressive constantly bombard you with ads on television and other media. All the companies make the same claim that you’ll save big if you change your auto insurance policy to them. Is it even possible that every company can charge you a lower premium?

Insurance providers quote their best rates for the type of driver that earns them the most money. For instance, this type of insured may need to be over the age of 45, has never had a claim, and has great credit. Any customer that fits those parameters will most likely get cheap prices and is almost guaranteed to save when switching.

People who do not meet the requirements will see more expensive rates which usually ends up with business going elsewhere. If you pay close attention to the ads, they say “people who switch” not “all people who quote” save that much when switching. That’s why companies can truthfully advertise the savings. Because each company has a different risk profile, you should do a quote comparison often. It’s not possible to predict which insurance companies will provide the lowest prices.

Find hidden discounts to get affordable car insurance quotes

Car insurance is expensive, but you may be missing some discounts that many people don’t even know exist. Most are applied at the time of quoting, but some discounts are required to be asked about before you get the savings. If you do not double check each discount you deserve, you are throwing money away.

  • Passenger Safety Discount – Factory air bags may qualify for discounts of 20 to 30 percent.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.
  • Theft Deterent Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are less likely to be stolen so companies will give you a small discount.
  • Organization Discounts – Participating in a qualifying organization could earn you a nice discount when getting a auto insurance quote.
  • New Car Discount – Buying a new car instead of a used car can save up to 30% since newer vehicles are generally safer.
  • Smart Student Discounts – Being a good student can earn a discount of 20% or more. The discount lasts up to age 25.
  • Early Switch Discount – Some insurance companies reward drivers for buying a new policy before your current coverage expires. It could save around 10% when you buy auto insurance online.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to your bottom line cost. Some only reduce individual premiums such as liability and collision coverage. Just because it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

To see a list of companies who offer online car insurance quotes, follow this link.

Tailor your insurance coverage to you

When it comes to buying coverage, there really is not a one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining if you might need an agent’s assistance.

  • Am I covered when driving a rental car?
  • What is roadside assistance coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • Can my babysitter drive my car?
  • Do I need higher collision deductibles?
  • Am I covered if hit by an uninsured driver?
  • Is a fancy paint job covered?
  • Should I bundle my homeowners policy with my auto?
  • Does my medical payments coverage pay my health insurance deductible?
  • Can my teen drive my company car?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Specific coverages for a Jaguar XJ-Series

Learning about specific coverages of your policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive coverages – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, damage from a tornado or hurricane, a tree branch falling on your vehicle and hitting a deer. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2007 Jaguar XJ-Series.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for bills like rehabilitation expenses, prosthetic devices, doctor visits, nursing services and hospital visits. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision – This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as backing into a parked car, driving through your garage door and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Liability – This coverage provides protection from damage that occurs to other’s property or people by causing an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like attorney fees, loss of income, medical services and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Save your cold hard cash

When searching for inexpensive auto insurance quotes, make sure you don’t skimp on coverage in order to save money. In too many instances, an insured cut liability coverage limits and found out when filing a claim that the savings was not a smart move. The proper strategy is to find the BEST coverage at the lowest possible cost, not the least amount of coverage.

Insureds change insurance companies for any number of reasons including delays in paying claims, poor customer service, high rates after DUI convictions and policy non-renewal. No matter why you want to switch, finding a new auto insurance company is actually quite simple.

Some insurance providers may not provide online rate quotes and most of the time these small insurance companies sell through independent agents. Lower-priced auto insurance is attainable on the web and from local agencies, so you need to compare both to have the best selection.

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